A Guide To Getting An MLO License In Texas

If you want to be a mortgage loan originator in Texas, the first step is to get an MLO license in the state. In this post, we will go through the steps to get an MLO license in Texas.


Click here to learn more about how to get an MLO license in Texas.

Step 1

Ensure that you are at least 18 years old and a US citizen. Next, visit the Nationwide Mortgage Licensing System (NMLS) portal and create an account. This ID will be valid throughout your career as an MLO.

Go through the 23 hours of pre-licensing coursework consisting of a 20-hour national section and a 3-hour state-specific section. The first deals with the principles of the mortgage industry in general and the second covers the rules and regulations valid in Texas only. 

Before selecting a course provider, ensure that it is on the NMLS-approved list to be counted as education for the licensing exam. Online courses are available too where you can study at your convenience without upsetting your daily routines. Simply download the course materials on any Internet-enabled device and you can study even on the go.

One of the top online NMLS-approved course providers in Texas is RealEstateU, offering high-quality courses at very affordable prices.

After completing the coursework, submit fingerprints electronically on the NMLS portal for verification of past criminal records.

Visit the portal again to schedule your Safe And Fair Enforcement (SAFE) licensing exam. You must score at least 75% grade to pass it.

Find a broker willing to sponsor and employ you.

Finally, apply for an MLO license in Texas on the NMLS portal providing proof of employment status and a fingerprint clearance certificate. You will now be issued an active MLO license in Texas.

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